HUMAN RESOURCES
BENEFITS GUIDE 2018
CRC Companies crccompanies.com
ABOUT THE GUIDE This guide describes the benefit plans available to you as an employee. The details of these plans are contained in the official plan documents, including some insurance contracts. This guide is meant only to cover the major points of each plan. It does not contain all of the details that are included in summary plan descriptions, as described by the Employee Retirement Income Security Act (ERISA). If there is ever a question about one of these plans or there is a conflict between the information in this guide and the formal language of the plan documents, the formal wording in the plan documents will govern. Please note that the benefits described in this guide may be changed at any time and do not represent a contractual obligation. Summary plan descriptions, as well as other legal required documents, are located on CRC’s HR and Benefits Site at bit.ly/crc-hr.
TABLE OF CONTENTS ABOUT YOUR BENEFITS
4
MEDICAL AND Rx PLANS
7
LIFE, AD&D AND DISABILITY INSURANCE
23
FLEXIBLE SPENDING ACCOUNTS
27
COMMUTER BENEFITS PROGRAM
29
EMPLOYEE ASSISTANCE PROGRAM
31
401(k) RETIREMENT PLAN
32
ENROLL ONLINE AT CERIDIAN DAYFORCE
33
CONTACT INFORMATION
35
HEALTHCARE REFORM
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2018 ABOUT YOUR BENEFITS CRC is committed to providing you a comprehensive benefit package. These benefits are an important part of your total compensation package and provide protection for you and your family. All employees will use the Ceridian Dayforce system to enroll in benefits. Please contact the HR hotline at 703.294.4625 or at
[email protected] with questions.
ELIGIBILITY Benefit
Employees working at least 17.5 hours/week
Starts first of month following date of hire
Ends at end of month after termination
Ends on date of termination
Medical + Rx Dental Vision FSA
ELIGIBLE DEPENDENTS
Transit + Parking
Your dependent must meet one of the following definitions:
EAP
•
Spouse: your legally married husband or wife
•
Domestic Partner: please see HR for a definition and required documentation
•
Child: child to age 26 (married or unmarried), including a natural child, stepchild, legally adopted child, child placed for adoption, or child to whom you are legally appointed as guardian
•
Disabled Child: unmarried child who is mentally or physically handicapped (handicapped before age 25), incapable of engaging in self-sustaining employment due to incapacity, and is a dependent on your IRS tax return
Benefit
Employees working at least 30 hours/week
Starts first of month following 30 days
Life + AD&D Short-term Disability Long-term Disability
Starts first of month after 90 days
Ends on date of termination
Enrolling someone who is not a qualified dependent is insurance fraud. Documentation will be required for eligible dependents. A dependent will not be added into Ceridian Dayforce until documentation is provided.
For 401(k) eligibility, see page 31 for more details.
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PRE-TAX PAYROLL CONTRIBUTIONS Some payroll deductions are considered pre-tax. This means that you do not pay state, federal, or social security taxes on eligible premiums paid using a payroll deduction. Bottom line, this means more money in your pocket. Your bi-weekly payroll deductions will be pre-tax where applicable.
CHANGING YOUR BENEFITS The elections you make at the time of your employment will remain for the entire year. You cannot change your elections during the year unless you have a qualified life event. Some examples of a qualifying life event include: •
Birth or adoption of an eligible child
•
Marriage or divorce
•
A change in your dependent’s eligibility or benefits through his or her employer
•
A change in your or your spouse’s employment status
•
You or your dependent becomes enrolled in Medicare, Medicaid, or CHIPRA
•
Your dependent ceases to satisfy the dependent eligibility requirements
You will be able to change your benefits election(s) within 30 days of the event as long as the change is consistent with your qualified life event. You will be required to provide supporting documentation.
MEDICAL AND Rx PLANS CRC provides active, regular employees that work at least 17.5 hours a week comprehensive medical insurance through Aetna (nationwide) and Kaiser Permanente (if you live in CA, MD, DC, or Northern VA). You share the cost of coverage through payroll deductions, co-pays, and deductibles. You can choose any of the plans provided. With a choice of plans, you have the flexibility to choose the benefits that meet your personal needs. Each plan has its own advantages and includes comprehensive prescription coverage. Please refer to the benefits summaries for more detailed information.
AETNA PLANS All Aetna plans use the same extensive network of providers. Visit www.aetna.com and select “Find a Doctor” in the top middle of the page.
PLATINUM PPO PLAN The Aetna Platinum PPO Plan offers comprehensive medical and prescription drug coverage with low deductibles, co-pays, and co-insurance.
GOLD PPO PLAN
HIGH DEDUCTIBLE PLAN
The Aetna Gold PPO Plan offers comprehensive medical and prescription drug coverage and lower premiums; however, out-of-pocket costs are higher.
The Aetna High Deductible Plan provides you the benefits you’d receive from a typical high deductible health plan, plus the ability to put pre-tax dollars into a Health Savings Account.
EXPRESS SCRIPTS New to the plan this year, Express Scripts is a prescription benefit plan provider that makes the use of prescription drugs safer and more affordable for our members. Express Scripts handles the prescription needs of Aetna plan members. For more information, contact HR or visit www.express-scripts.com.
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BENEFIT SUMMARIES AETNA PLATINUM PPO PLAN
HEALTH SAVINGS ACCOUNTS A Health Savings Account is a tax-advantaged bank account that lets you pay for out-of-pocket medical expenses and deductibles with pre-tax dollars. The IRS regulates the maximum amount you can contribute. The 2018 maximums are $3,450 for individuals and $6,900 for families. The annual employer contribution is $600 for individuals and $1,450 for families. To satisfy HSA eligibility requirements, CRC’s high deductible health plan has a deductible of $2,600 per individual and $5,200 per family. If you are enrolled in coverage other than Employee Only, co-insurance does not apply until the family deductible is met. The family deductible can be met by just one member or a combination of family members. After the deductible is satisfied, the plan covers most in-network services at 90 percent and most out-ofnetwork services at 70 percent. Preventive services, including well child care and annual routine adult physicals, are covered in full and are not subject to the deductible. Under this plan, all prescription drugs are also subject to the deductible. After the deductible is met, co-pays apply. Please refer to the benefit comparison chart for a summary of benefits covered under the plan. If you enroll in the Aetna High Deductible Plan, Aetna PayFlex will mail you the information needed to establish your account. You must create an account at payflex.com to receive the company HSA contribution and for payroll to deposit your contributions. You will be issued a debit card to pay for eligible costs.
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If you enroll in any of the Aetna plans, you do not have to choose a primary care physician (PCP), and you do not need referrals to see specialists. To find an in-network provider, visit www.aetna.com and select the Aetna Choice POS II network.
ELIGIBILITY REQUIREMENTS •
Be enrolled in the IRS-qualified high deductible health plan
•
Not be covered by any other medical plan not considered a high deductible health plan
•
Not participate in a Healthcare Flexible Spending Account (FSA) at the same time as an HSA
Aetna Platinum PPO Plan Services
In-Network
Out-of-Network
Individual/Family Yearly Deductible
$200/$600
$600/$1,800
Individual/Family Out-0f-Pocket Cap
$1,500/$4,500
$3,000/$9,000
0%
30%
$15/$25
Deductible then 30%
Co-Insurance Office Visit (PCP/Specialist)
•
Not be claimed as a dependent on another person’s tax return
Preventive Care Services
No charge
Deductible then 30%
•
Not be 65 or older and enrolled for Medicare
Maternity Care
No charge
Deductible then 30%
$300 per admission
Deductible then 30%
$300 co-pay/$50 co-pay
Deductible then 30%
$150
$150
In-Network
Out-of-Network
Prescription Drugs Retail (34-Day Supply) Tier 1 (Generic) Tier 2 (Preferred Brand Name) Tier 3 (Non-Preferred Brand Name)
$10 $40 $50
Not covered
Mail Order (90-Day Supply) Tier 1 (Generic) Tier 2 (Preferred Brand Name) Tier 3 (Non-Preferred Brand Name)
$25 $100 $125
Not covered
Delivery + Inpatient Services Hospital Care (In- and Outpatient) Emergency Room (Co-Pay Waived if Admitted)
THE BENEFITS OF A HEALTH SAVINGS ACCOUNT •
Tax-deferred savings
•
No “use it or lose it”
•
Funds can grow tax-free depending on investments
•
If you are 55+ you can contribute an additional $1,000 a year
www.payflex.com · 844.729.3539
Express Scripts Services
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BENEFIT SUMMARIES
BENEFIT SUMMARIES
AETNA GOLD PPO PLAN
AETNA HIGH DEDUCTIBLE PLAN
If you enroll in any of the Aetna plans, you do not have to choose a primary care physician (PCP), and you do not need referrals to see specialists. To find an in-network provider, visit www.aetna.com and select the Aetna Choice POS II network.
If you enroll in any of the Aetna plans, you do not have to choose a primary care physician (PCP), and you do not need referrals to see specialists. To find an in-network provider, visit www.aetna.com and select the Aetna Choice POS II network.
Aetna Gold PPO Plan Services
In-Network
Out-of-Network
Aetna High Deductible Plan Services
Individual/Family Yearly Deductible
$400/$1,200
$900/$2,700
Individual/Family Out-0f-Pocket Cap
$2,500/$7,500
$4,500/$13,500
15%
40%
$20/$30
Deductible then 40%
Office Visit (PCP/Specialist)
Preventive Care Services
No charge
Deductible then 40%
Maternity Care
No charge
Delivery + Inpatient Services Hospital Care (In- and Outpatient)
Co-Insurance Office Visit (PCP/Specialist)
Emergency Room (Co-Pay Waived if Admitted)
Express Scripts Services Prescription Drugs Retail (34-Day Supply) Tier 1 (Generic) Tier 2 (Preferred Brand Name) Tier 3 (Non-Preferred Brand Name) Mail Order (90-Day Supply) Tier 1 (Generic) Tier 2 (Preferred Brand Name) Tier 3 (Non-Preferred Brand Name)
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In-Network
Out-of-Network
Individual/Family Yearly Deductible
$2,600/$5,200
$900/$2,700
Individual/Family Out-0f-Pocket Cap
$6,000/$12,000
$4,500/$13,500
10%
40%
Deductible then 10%
Deductible then 40%
Preventive Care Services
No charge
Deductible then 40%
Deductible then 40%
Maternity Care
No charge
Deductible then 40%
Deductible then 15%
Deductible then 40%
Delivery + Inpatient Services
Deductible then 10%
Deductible then 40%
Deductible then 15%
Deductible then 40%
Hospital Care (In- and Outpatient)
Deductible then 10%
Deductible then 40%
$200
$200
Emergency Room (Co-Pay Waived if Admitted)
Deductible
Deductible
In-Network
Out-of-Network
Express Scripts Services
In-Network
Out-of-Network
$7 $30 $60
Not covered
$17.50 $75 $150
Not covered
Co-Insurance
Prescription Drugs Retail (34-Day Supply) Tier 1 (Generic) Tier 2 (Preferred Brand Name) Tier 3 (Non-Preferred Brand Name)
Deductible then $7 $30 $60
Mail Order (90-Day Supply) Tier 1 (Generic) Tier 2 (Preferred Brand Name) Tier 3 (Non-Preferred Brand Name)
Deductible then $17.50 $75 $150
Not covered
Not covered
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KAISER PERMANENTE PLAN
BENEFIT SUMMARIES KAISER MID-ATLANTIC PLAN
The Kaiser Signature HMO Plan offers employees living in CA, MD, DC, or Northern VA, comprehensive medical and prescription drug coverage with no deductible and low co-pays. This plan is designed for those that benefit from having many locations from which to choose with the ability to get a lab test or pick up medications without leaving the building.
Kaiser Permanente’s Health Manager is your one-stop online resource for time-saving features.
EMAIL YOUR DOCTOR’S OFFICE Send secure, routine messages to your doctor’s office and get a response, often within one business day.
VIEW LAB TEST RESULTS Get most lab test results as soon as they’re available, many on the same day.
REFILL PRESCRIPTIONS Order your prescription refills and have most of them mailed to your home. Postage is free.
SCHEDULE OR CANCEL APPOINTMENTS Request appointments and check past office visit information for recommended follow-up steps.
This plan is for employees located in MD, DC, and Northern VA. Kaiser plans require selection of a Primary Care Physician to coordinate your medical care. Choose your Kaiser doctor online at www.kp.org/doctor. Preventative services covered at 100 percent. Kaiser services are provided at a Kaiser center near you. To find a center near you, visit www.kp.org. Kaiser Mid-Atlantic Plan Services
In-Network
Individual/Family Yearly Deductible
Not applicable
Individual/Family Out-0f-Pocket Cap
$1,300/$2,600
PCP/Specialist Office Visit
$20 co-pay/$30 co-pay
Preventive Care Services
No charge
Inpatient Hospital Care
$100 co-pay
Outpatient Hospital Care
$50 co-pay
Emergency Room (Co-Pay Waived if Admitted)
$100
Urgent Care
$30
Prescription Drugs Retail (60-Day Supply) Tier 1 (Generic) Tier 2 (Preferred Brand Name) Tier 3 (Brand Non-Formulary)
$10 $30 $50
Mail Order (90-Day Supply) Tier 1 (Generic) Tier 2 (Preferred Brand Name) Tier 3 (Brand Non-Formulary)
$20 $60 $100
VIEW RECENT IMMUNIZATIONS AND ALLERGIES Review the names and dates of your shots, a list of your allergies, and your eligibility and benefits information.
VIEW YOUR HEALTH HISTORY Print a summary of your health condition.
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DENTAL BENEFITS
BENEFIT SUMMARIES KAISER CALIFORNIA PLANS This plan is for employees located in California. Kaiser plans require selection of a Primary Care Physician to coordinate your medical care. Choose your Kaiser Permanente doctor online at www.kp.org/doctor. Preventative services covered at 100 percent. Kaiser services are provided at a Kaiser center near you. To find a center near you, visit www.kp.org. In-Network Northern California Plan
In-Network Southern California Plan
Individual/Family Yearly Deductible
Not applicable
Not applicable
Individual/Family Out-0f-Pocket Cap
$1,500/$3,000
$1,500/$3,000
Office Visit (PCP/Specialist)
$20 co-pay
$20 co-pay
Preventive Care Services
No charge
No charge
Inpatient Hospital Care
$100 co-pay
$250 co-pay
Outpatient Hospital Care
$20 co-pay
$20 co-pay
Emergency Room (Co-Pay Waived if Admitted)
$100
$100
Urgent Care
$20
$20
Prescription Drugs Retail (60-Day Supply) Tier 1 (Generic) Tier 2 (Preferred Brand Name) Tier 3 (Brand Non-Formulary)
$10 $30 $30
$10 $30 $30
Kaiser California Plans Services
Mail Order (90-Day Supply) Tier 1 (Generic) Tier 2 (Preferred Brand Name) Tier 3 (Brand Non-Formulary)
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$20 $60 $60
$20 $60 $60
AETNA DENTAL PLAN Dental coverage is through Aetna Dental. You don’t have to elect medical coverage to elect dental. We offer a plan that covers routine check-ups and just about all dental work you could need. On this plan, you can go to any dentist you choose, but you’ll save
when you use preferred network dentists. In-network dentists will also file claims for you. If you use an out-of-network dentist, you might be subject to a fee schedule reimbursement, meaning you may incur additional charges.
PLAN COVERAGE This plan cover four types of expenses: •
Preventive and diagnostic care such as routine exams, cleanings, fluoride treatments, sealants, and X-rays
•
Basic treatment such as simple fillings, extractions, root canals, oral surgery, and gum disease treatment
•
Major treatment such as crowns and dentures
•
Orthodontia
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BENEFIT SUMMARIES
BENEFIT SUMMARIES
AETNA PPO DENTAL PLAN
AETNA PPO MAX DENTAL PLAN
To locate an Aetna dentist, log on to www.aetna.com. Refer to the PPO Network of providers. In addition, please refer to your benefits summary for more detailed information. Reimbursement is based on Aetna’s Fee Schedule. You may be responsible for filing claims and/or paying any charges that exceed usual, customary and reasonable costs.
To locate an Aetna dentist, log on to www.aetna.com. Refer to the PPO Network of providers. In addition, please refer to your benefits summary for more detailed information. Reimbursement is based on Aetna’s Fee Schedule. You may be responsible for filing claims and/or paying any charges that exceed usual, customary and reasonable costs.
Aetna PPO Dental Plan Services
Aetna PPO MAX Dental Plan Services
In-Network
Out-of-Network
$50/$150
$50/$150
Preventive and Diagnostic Care (Exams, Cleanings, X-Rays)
100%
100%
Preventive and Diagnostic Care (Exams, Cleanings, X-Rays)
Basic Care (Fillings, Extractions, Oral Surgery)
80%
80%
Major Services (Inlays, Onlays, Crowns, Bridges)
50%
Orthodontia
Individual/Family Yearly Deductible
Yearly Maximum (Excludes Orthodontia) Orthodontia Lifetime Maximum
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In-Network
Out-of-Network
$50/$150
$50/$150
100%
80%
Basic Care (Fillings, Extractions, Oral Surgery)
75%
60%
50%
Major Services (Inlays, Onlays, Crowns, Bridges)
40%
30%
50%
50%
Orthodontia
Not covered
Not covered
$1,250 per person
$1,250 per person
$1,250 per person
$1,250 per person
$1,500
$1,500
Not covered
Not covered
Individual/Family Yearly Deductible
Yearly Maximum (Excludes Orthodontia) Orthodontia Lifetime Maximum
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VISION BENEFITS
BENEFIT SUMMARIES VISION SERVICES PLAN
VISION SERVICES PLAN
The plan will reimburse up to $45 for an eye exam when using an out-of-network provider. See the full benefit summary for additional out-of-network plan reimbursement levels.
Vision is offered through Vision Service Plan (VSP). With the largest network of providers nationwide, this plan offers you and covered family members complete vision care coverage, including routine eye exams and an allowance on eyewear purchases. To see your benefits and a list of providers, go to www.vsp.com and register.
Vision Services Plan Services Ophthalmologist/Optometrist Exam (Every 12 Months)
In-Network $15
Lenses (Every 12 Months) Single/Bifocal/Trifocal Progressive Lenses Premium Lenses
$25 $50 $80-$160
Frames (Every 12 Months)
$175 allowance with 20% off coverage
Contacts in Place of Glasses (Every 12 Months) Medically Necessary Contacts (Every 12 Months)
$175 allowance Covered in full after $25 co-pay
THIS PLAN OFFERS: •
Routine eye exams, glasses, and contact lenses
•
Large nationwide network of optometrists, ophthalmologists, and opticians
•
Laser vision correction services at significant discounts
•
Various lens options discounts such as scratch coating and tinting
•
Lasik discounts
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2018 EMPLOYEE
BENEFIT PAYROLL CONTRIBUTIONS PER PAY PERIOD TOBACCO RATES FOR MEDICAL COVERAGE
CONTRIBUTIONS
Salary $64,999 and Under
BENEFIT PAYROLL CONTRIBUTIONS PER PAY PERIOD NON-TOBACCO RATES FOR MEDICAL COVERAGE Salary $64,999 and Under
Aetna Platinum
Aetna Gold
Aetna HDP
Kaiser Mid-Atlantic
Kaiser California
Employee
$106.20
$60.50
$39.48
$58.32
$63.60
Employee + Children
$176.36
$94.12
$56.29
$94.19
$106.55
Employee + Spouse
$202.67
$106.74
$62.60
$102.18
$115.84
Family
$272.86
$140.44
$79.45
$138.05
$154.29
Aetna Platinum
Aetna Gold
Aetna HDP
Kaiser Mid-Atlantic
Kaiser California
Aetna Platinum
Aetna Gold
Aetna HDP
Kaiser Mid-Atlantic
Kaiser California
Employee
$87.74
$42.04
$21.02
$39.86
$45.14
Employee + Children
$157.90
$75.66
$37.83
$75.73
$88.09
Salary $65,000 to $124,000
Employee + Spouse
$184.21
$88.28
$44.14
$83.71
$97.38
Employee
$123.06
$73.38
$50.54
$71.01
$76.74
Family
$254.40
$121.98
$60.99
$119.58
$135.83
Employee + Children
$199.32
$109.94
$68.81
$110.01
$123.44
Aetna Platinum
Aetna Gold
Aetna HDP
Kaiser Mid-Atlantic
Kaiser California
Employee + Spouse
$227.92
$123.64
$75.66
$118.69
$133.53
Family
$304.22
$160.28
$93.99
$157.68
$175.33
Employee
$95.36
$45.69
$22.85
$43.32
$49.05
Employee + Children
$171.62
$82.24
$41.12
$82.32
$95.75
Aetna Platinum
Aetna Gold
Aetna HDP
Kaiser Mid-Atlantic
Kaiser California
Employee + Spouse
$200.23
$95.94
$47.97
$91.00
$105.84
Employee
$139.91
$86.27
$61.60
$83.71
$89.91
Family
$276.53
$132.59
$66.29
$129.98
$147.64
Employee + Children
$222.27
$125.74
$81.33
$125.82
$140.33
Aetna Platinum
Aetna Gold
Aetna HDP
Kaiser Mid-Atlantic
Kaiser California
Employee + Spouse
$253.17
$140.55
$88.73
$135.20
$151.23
Family
$335.58
$180.12
$108.52
$177.30
$196.37
Employee
$102.99
$49.35
$24.68
$46.79
$52.98
Employee + Children
$185.35
$88.81
$44.41
$88.90
$103.41
Employee + Spouse
$216.24
$103.62
$51.81
$98.28
$114.30
Family
$298.65
$143.20
$71.60
$140.38
$159.44
Salary $65,000 to $124,000
Salary $125,000 and Above
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Salary $125,000 and Above
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BENEFIT PAYROLL CONTRIBUTIONS PER PAY PERIOD RATES FOR DENTAL AND VISION COVERAGE Coverage
Dental PPO
Dental PPO Max
Vision Services Plan
Employee
$47.23
$34.03
$8.66
Employee + Children
$85.80
$61.82
$13.25
Employee + Spouse
$107.26
$77.29
$12.97
Family
$130.67
$94.15
$21.34
LIFE, AD&D, AND DISABILITY INSURANCE BASIC LIFE AND AD&D COVERAGE To provide financial protection for your family, the company provides 100 percent employer-paid basic life and accidental death and dismemberment insurance to eligible employees through The Standard at one times your salary to a maximum of $250,000. Please refer to your benefits summary for more detailed information. The basic life insurance provided through this program is term life insurance. It pays a beneficiary if you should die while an active employee. If the insurance company deems your death a result of an accident, an additional amount equal to the amount found in the chart on page 24 will be payable. Accidental death and dismemberment insurance is the amount your beneficiary is paid in addition to your life insurance should you die in an accident. It also pays your beneficiary if you are seriously injured in an accident, lose a limb, the ability to see, hear or talk, or become physically disabled. For more, see your summary plan description.
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SUPPLEMENTAL LIFE AND AD&D INSURANCE
SPOUSE AND DEPENDENT LIFE INSURANCE
You can purchase supplemental life insurance up to five times your annual salary to a maximum of $750,000. The guarantee issue amount is $200,000 when first eligible. For amounts over $200,000 or after initial eligibility, you will need to submit a medical history statement form before the effective date of coverage. See the summary plan description for more information.
You may purchase dependent life insurance coverage for your spouse and/or dependent child(ren). Premium deductions are withheld from the first paycheck of each month. The rates for spousal coverage are based upon the spouse’s age and tobacco use.
The cost of supplemental life and AD&D insurance is a factor of your age, tobacco use, and salary. Use the chart on the following page to determine your monthly premium.
DISABILITY INCOME PROTECTION
SHORT-TERM DISABILITY INSURANCE
Disability insurance is an important part of the CRC benefit program. The disability plans are designed to provide you with a source of income in the event that you become disabled and are unable to work.
Short-term disability is an employee-paid program. The plan is designed to provide you with a source of income in the event that you become disabled and are unable to work.
Disability benefits are only payable when you are unable to work because of non-work related illness or injury. All disability leaves will run concurrent with the Family & Medical Leave Act (FMLA) or state equivalent where applicable. Please refer to your benefits summary for more information.
LONG-TERM DISABILITY INSURANCE
Premium deductions are withheld from the first paycheck of each month. Premium adjustments are made semi-annually due to salary changes and birthdays. At age 65, coverage amounts are reduced.
Coverage can be purchased in $10,000 increments up to 50% of the employee’s total life insurance coverage amount with a $20,000 guarantee issue when first eligible. Any amount after initial eligibility or over $20,000 will require a medical history statement form. The maximum amount of dependent insurance for a spouse is $100,000. The rate for child(ren) is $1.00 a member regardless of number of children covered. The level of coverage is $10,000, guarantee issue.
Long-term disability is a 100 percent employer-paid program. The plan provides long-term coverage that begins when the short-term coverage ends.
ELIGIBILITY Benefits you may receive
Duration
1x salary up to $250k
--
Short-term Disability
75% of salary
Up to 130 days
Long-term Disability
60% of salary to $15k/month
To age 65
5x salary up to $750k
--
Insurance Basic Life + AD&D
Supplemental Life
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Starts first of month following 30 days
Starts first of month following 90 days
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MONTHLY PREMIUM FACTORS Employee Tobacco
Employee Non-Tobacco
Spouse Tobacco
Spouse Non-Tobacco
Under 30
0.20
0.12
0.16
0.08
30 - 34
0.23
0.15
0.19
0.11
35 - 39
0.27
0.17
0.23
0.13
40 - 44
0.32
0.20
0.28
0.16
45 - 49
0.53
0.33
0.49
0.29
50 - 54
0.81
0.54
0.77
0.50
55 - 59
1.03
0.73
0.99
0.69
60 - 64
1.72
1.13
1.68
1.09
Over 65
2.42
2.10
2.38
2.06
Age
EXAMPLE Basic Annual Earnings
$37,625
Supplemental Insurance
1 x $37,625 = $37,625, rounded to $38,000 2 x $37,625 = $75,250, rounded to $76,000 3 x $37,625 = $112,875, rounded to $113,000
For a 40-year-old who uses tobacco with a 2x supplemental insurance, the monthly premium would be $76,000/1,000 x $0.32 = $24.32/month.
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FLEXIBLE SPENDING ACCOUNTS You have the opportunity to save money in taxes by participating in a healthcare and/or dependent care flexible spending account (FSA). You don’t need to elect medical, dental, or vision coverage in order to participate. Please refer to your summary plan description for more detailed information.
HEALTHCARE FSA
DEPENDENT CARE FSA
Set aside pre-tax dollars up to $2,650 to pay for eligible healthcare expenses incurred during 2018. Eligible expenses include:
Set aside pre-tax dollars up to $5,000 to pay for dependent care that allows you or a spouse to work or attend school. Eligible expenses include:
•
Out-of-pocket medical costs
•
Preschool or nursery school expenses
•
Over-the-counter medications (prescription required)
•
At-home babysitter
•
Daycare or after-school care
•
Prescription drug co-pays
•
Summer day camp
•
Dental, vision, and hearing care
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Adult daycare center or in-home care
For the dependent care FSA, care can be for your children through age 12 or any dependent who is physically or mentally unable to care for himself or herself, who spends at least eight hours a day in your home, and whom you claim as a dependent on your federal income tax return.
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FSA REGULATIONS Prior-year FSA elections don’t carry forward; you must re-enroll if you want to contribute in 2018. All 2018 funds must be used before the end of the 2018 grace period (March 15, 2019) or they will be forfeited pursuant to IRS rules. Reminder: If you participated in a company FSA plan in 2017 and have a balance in your account, you may use it toward eligible expenses during the 2017 grace period between January 1, 2018 and March 15, 2018. The deadline for submitting claims for all eligible 2017 expenses is March 31, 2018.
COMMUTER BENEFITS The Commuter Benefits Program allows you to pay monthly for public transit, vanpool, or parking expenses with pre-tax dollars. There is a limit on how much you can save through the program. The IRS has monthly tax-free maximums. Visit your account at www.wageworks.com for more information on the program.
HOW IT WORKS WageWorks makes it easy for you to pay for public transit and parking expenses in the following ways: •
Buy transit passes or load smart cards with your WageWorks commuter debit card
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Receive monthly passes at home for transit or vanpool agencies
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Load your pre-tax contributions directly onto an electronic fare card (i.e. Metro’s SmarTrip card)
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Receive reimbursement via check or direct deposit for out-of-pocket parking expenses
These eligible expenses must be incurred no later than March 15, 2018. Any money not used by March 15 will be forfeited pursuant to IRS regulations. A eligible expense for 2017 can’t be submitted toward a 2018 FSA. Keep track of your FSA balances at wageworks.com.
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EMPLOYEE ASSISTANCE PROGRAM HOW TO ENROLL To enroll, visit wageworks.com to register online. If you are already enrolled in an FSA, you may use your existing login information. Once registered, you will be able to select the amount of money you would like to set aside for commuter expenses and determine how you would like to receive your benefits (i.e. debit card, electronic fare card, check, or reimbursement).
Sometimes balancing work and family is hard to handle on your own. The employee assistance program is offered at no cost to you or your family through INOVA. This is a confidential service, free of charge to you and your family, and is designed to help with personal, job, and familial concerns.
If you need assistance, call an EAP counselor at their 24/7 service. The toll-free phone number is 800-346-0110. You can also visit the website at www.inova.org/eap. Both username and password on the INOVA site are cvservices.
Your enrollment must be completed by the 10th day of the month in order to access your funds on the first day of the following month. You can adjust your election amount each month or opt to have your election automatically re-up each month. Any change to your election must be made prior to the 10th day of the month to take effect for the next month. No retroactive changes may be made to your account. Contributions will be deducted from your first paycheck during the month of your benefit. Counseling is available for personal difficulties including:
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Family or marital problems and parenting concerns
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Emotional difficulties like depression and anxiety
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Drug and alcohol dependence
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Stress and burnout
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Eating disorders
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401(k) RETIREMENT PLAN
ENROLL ONLINE AT CERIDIAN DAYFORCE CREDENTIALS
ELIGIBILITY Eligible employees may make 401(k) salary deferrals on the first of the month following one month of employment. Employees are automatically enrolled on the first day of the month following date of hire. An employee may contribute up to 80 percent of his or her compensation up to the federally-mandated dollar limit.
CONTRIBUTIONS The company will match contributions dollar-for-dollar, up to the first 5 percent of eligible pay. Matching begins the first of the month following one year of at least 1,000 hours worked. An employee is 100 percent vested in the salary deferral and matching contribution accounts. Contributions may be changed at any time.
Website: www.dayforcehcm.com Company: crccompanies Username: firstname.lastname (legal name) Initial Password: last4SSNBirthyear
STEP 3: WELCOME SCREEN The welcome screen outlines the enrollment process and tells you have long you have to complete your election.
The first time you log on, the system will prompt you to change your password. The password requirements are as follows: •
Must be a minimum of 6 characters and a maximum of 10 characters
•
Must contain an upper- and lowercase letter, number, and non-alphabetical character
INSTRUCTIONS STEP 1: HOME SCREEN Select the Benefits button to elect benefits.
STEP 4: PROFILE INFORMATION Be sure to complete the smoking status section as this will impact your benefits options.
STEP 2: HOME SCREEN
Under Enrollments, choose Start Enrollment.
DISCRETIONARY CONTRIBUTIONS The plan includes annual discretionary profit-sharing in which the company may fund up to 3 percent of eligible pay. An employee is zero percent vested in the company contribution account until completing three years of service, working at least 1,000 hours each year. After three years, he or she is 100 percent vested.
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CONTACT INFORMATION STEP 5: PROFILE INFORMATION
STEP 7: BENEFIT ELECTIONS
Add dependents so they’re available for enrollment. Complete address information for all dependents.
Continue to enroll or waive coverage for your benefits depending on preferences and number of dependents.
ONLINE BENEFITS
VISION BENEFITS
Ceridian Dayforce www.dayforcehcm.com
Vision Services Plan 1.800.877.7195 www.vsp.com Group #30009336
MEDICAL AND Rx PLANS Aetna 800.US.AETNA www.aetna.com Group #835273 Express Scripts 800.282.2881 www.express-scripts.com PayFlex 844.729.3539 www.payflex.com
STEP 6: BENEFIT ELECTIONS
STEP 8: CONFIRMATION SUMMARY
Click the down arrows in each section to show your options. Each benefit option allows you to enroll listed dependents in the previous section. In each section you will be asked to enroll or waive coverage.
After you’ve made your elections, you’ll receive a confirmation screen and summary page.
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Kaiser Permanente California 1.800.464.4000 www.kp.org Northern - Group #604952 Southern - Group #227542
LIFE, AD&D, AND DISABILITY INSURANCE The Standard 800.368.1135 www.standard.com Group #158180
EMPLOYEE ASSISTANCE PROGRAM INOVA 800.346.0110 www.inova.org/eap Login: cvservices Password: cvservices
FLEXIBLE SPENDING ACCOUNTS
Kaiser Permanente Mid-Atlantic 1.800.777.7902 www.kp.org Group #016534-0002
WageWorks 877.924.3967 www.wageworks.com
DENTAL BENEFITS
401(k) RETIREMENT PLAN
Aetna 800.US.AETNA www.aetna.com Group #835273
Vanguard 800.523.1188 www.vanguard.com
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HEALTHCARE REFORM THE AFFORDABLE CARE ACT The Affordable Care Act (ACA) continues to affect health insurance plans for employers like CRC Companies and their employees. For CRC, it means we continue to do the following: •
Comply with applicable plan coverage, administration, and tax reporting requirements
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Pay all applicable taxes and fees required
For employees, the law requires most individuals have health insurance or pay a tax penalty. If you enroll in a CRC medical plan, you will meet the ACA’s requirement for health coverage. CRC pays the majority of the cost for this coverage. If you do not enroll in a CRC medical plan, you have other options, as listed below. We encourage you to evaluate all your options and compare costs to make the best choice for you and your family.
SUMMARY OF BENEFITS AND COVERAGE NOTICE The ACA requires health plans provide consumers with information about health plan benefits and coverage in a simple and consistent format called a Summary of Benefits and Coverage (SBC). The purpose is to help consumers better understand the coverage they have and easily compare different
coverage options. It summarizes key features of the plan, cost-sharing provisions, and coverage limitations as well as provides coverage examples. A uniform glossary explaining the most common terms used in health insurance is also available. SBCs are available at the CRC HR & Benefits website.
IMPORTANT REGULATIONS For important regulations on the following legislation, see the HR and Benefits website. •
Women’s Health and Cancer Rights Act
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Elect coverage through your spouse’s employer
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Participate in a federal or state program such as Medicare or Medicaid if eligible
Medicaid and the Children’s Health Insurance Program (CHIP)
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Health Insurance Portability Act (HIPPA)
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Elect coverage through a plan you purchase through the Health Insurance Marketplace at healthcare.gov
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State Children’s Health Insurance Program (SCHIP)
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Medicare Part D Creditable Coverage/ Non-Creditable Coverage Notice
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Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
It’s important to note that because you are eligible for coverage through CRC, you may not qualify for any subsidies if you purchase a plan through the Marketplace; you would pay the full cost of that coverage. If you do not obtain coverage through CRC or another source, you may be subject to a penalty on your taxes.
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